OMG thank you!!! I have been trying for a week.
OMG thank you so much! I did not think to check that!
Like everyone else, I was worried and didn't have a clue.
Thank you so much for your answer! This did the trick.
Thank you so much! Your answer fixed my problem.
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If you make 80,000 a year and have no debt, do you have any credit at all? I would recommend talking to a customer service rep at your local bank or a mortgage broker. They will request your credit scores and let you know in plain English what you qualify for and if you have NO credit, what you can do to remedy that and get the best credit score you can before you commit to a mortgage with high interest rates because you don`t have any credit. A home mortgage is something you should not jump into just because it`s a want. Sometimes it takes years to set yourself up to get the best deal that could save you hundreds of thousands of dollars over 30 years. With an interest rate of 6.5% on a 90,000 mortgage will end up costing you over 205,000 over 30 years. you need the best interest rate you can get. If you work hard to establish good credit you will do yourself the best service that you can do. Good Luck!

You have a fabulous start with your savings and will save yourself the PMI payment if the 35,000 equals 20% of the total mortgage. Great job so far! At this point you don`t want to spend that 35,000 you`ve worked so hard for on something that isn`t best for your needs. I would contact a local mortgage broker. Their job is to match your income, credit scores, debt, down payment, etc. into the best mortgage that you qualify for. normally a broker does not work for a specific bank and they normally do not charge a fee unless they get you into a mortgage. The fee my husband and I paid was a thousand dollars on a 90,000 mortgage, and our broker did all the leg work and explained all our options and was a tremendous asset. Without her we would have been lost in all the mortgage mumbojumbo we didn`t have a prayer of understanding on our own. Good Luck with whatever you decide!

I would consult a local mortgage broker. Their job is to match all your income and credit information to a mortgage you can afford. They can tell you the figure you qualify for, if you need a co-signer, what type of mrtgage would be best to suit your needs, who has the best interest rates, fixed rates vs. variable rates, and the best part, they normally do not charge a fee inless they get you into a mortgage so they work really hard to find you information that you would not normally be privy to. Good Luck!

Are you seeking for a legitimate lender from the internet? My name is Laura, from Edmonton Alberta.please i want to advice you to beware of loan from the China and any part of Malaysia because they are all scammers. I have been scammed over 6 times until i came across a loan company from United State.
They are so wonderful and serious minded company. I would advice you contact them if you need a loan of any kind(personal or business) because i got a loan from them without any stress after meeting their requirement. Their contact info is: www.dennishopkinsfinance.de.vu or dennishopkins_financehome@ live.com.

Acquiring a loan now a day is getting more and more difficult. But there are some loan providers out there who are willing to take on individuals who are in need of a specific amount.
It takes time to find the right loan, but I`m sure those in need of a loan will find the right one that suits their situation.
For a listing of legit loan providers, see the list below.
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http://operation-financial-needs.webs.com/
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You are not being specific, first of all you have not even mentioned the currency, 95000 in which currency. The type of home bought by 95000 USD would definitely be different for 95000 francs, or 95000 pounds. Another thing you need to mention is the city, even in one city the rate of property varies, and then there are facilities in some places that make them expensive, so try to be a bit more specific about where do you want to buy home and which currency are you talking about.

If you make 55,000 a year then your monthly income is 4583.333 without any expenses if you choose 30year term condition with 5% interest rating you will qualify for maximum loan amount of 238999.but u have added your expenses property taxes,credit card payment,auto payment etc.according to your other expenses this amount will be change.

With a $75,000 you have to save sizeable amount of your salary, and the choosing the area of home the answer must be diffrent. According to $75,000 per year your salary per month is $6,250. If u save 50% of salary after one year u saving amount must be $37500. in this condition if your choose a good and expensive area then you have to take some loan. so try to be a bit more specific about where do you want to buy home.

Good Day
My Name is Dorene Zeller i am from United State I saw your question regarding a loan. i got a loan the sum of $300.000 from a legitimate loan lender called DENNIS HOPKINS FINANCE HOME. you can contact them for financial Help. You are 100% Guarantee receiving your loan without any delay. dennishopkins_financehome@ live.com or dennishopkins69@ yahoo.com or website: www.dennishopkinsfinance.de.vu.

Monthly payments are the size and term of the loan.Size is basically the amount of money borrowed and term is the lenght within which the loan is fully paid back For 95,000 annual saving you must have an etrm of thirty years So that you can easily give the required monthly amount including the interest rate of the borrowed amount i think it is easy for you to take an amount of 350,000.

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If i make 20 000 a year and want to purchase my first home how much can i afford to buy with no debt?